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2 Identity Theft: When someone uses your personal information without your permission to commit fraud or other crime Name Social Security number Date of birth Credit card number Bank account numbers

3 Why Be Concerned?

4 In 2014: 12.7 Million Americans Became Victims $16,000,000,000 in Losses

5 In 2014: New Victim every 2 seconds

6 4 Biggest Targets: 1. People age % 2. Those making more than $75,000 10% 3. People with weak passwords 4. Young children 150,000 annually

7 Types of Fraud

8 Types of Fraud

9 How does Identity Theft occur?

10 Good, Old Fashioned Stealing

11

12 Dumpster Diving

13 PHISHING om/ ( Australia )

14 PHISHING ( RUSSIA )

15 PHISHING s that appear to be from IRS requesting you confirm information. s that are thanking you for a recent purchase (of something you didn t buy) Phone phishing When in doubt, ask or call back Your bank will NEVER ask you for account numbers or passwords if they initiated the communication

16 How do you prevent Identify Theft? 1. Consider subscribing to an identity theft protection service. BUT!!!! 1. Expensive 2. Biggest burden is time, not money

17 How do you prevent Identify Theft? 2. Keep personal documents in a safe. Consider keeping a personal safe for your home as well as a safety deposit box elsewhere. You can use your safe at home to protect items such as your social security card, birth certificate and passport.

18 How do you prevent Identify Theft? 3. Protect your purse or wallet at all times. The best purses are those that can be zipped or closed shut. Try not to use bags that others can easily see or reach into, and keep bags close to your body with a tight grip at all times. Do not leave wallets or purses in the car, or if you must, do not leave them exposed or in an obvious place.

19 How do you prevent Identify Theft? 4. Photocopy the contents of your wallet. Make copies of credit cards, ID cards, and all other personal documents you keep in your wallet. Also, keep records of phone numbers to contact in case you need to close accounts or order replacement items. ( encrypt & export keys & EFS Certificate )

21 How do you prevent Identify Theft? 6. Remove yourself from promotional lists such as junk mail and pre-approved credit card lists. This added clutter doesn t do any good, and you at risk of ID theft if a stranger gets their hands on your pre-approved cards.

22 How do you prevent Identify Theft? 7. Cancel credit cards that you aren t using. There s no reason to have open credit for the taking. Besides, the less credit you have open, the less you ll have to monitor.

23 How do you prevent Identify Theft? 8. Select passwords that are difficult for others to uncover. An impersonal combination of letters and numbers is the best. Most frequently used Passwords password

24 How do you prevent Identify Theft? 9. Protect your computer with antispyware and anti-virus software. Make sure you keep them up to date. Is your firewall on?

25 How do you prevent Identify Theft? 10. Do not reveal personal information to unverified sources whether over the phone or the Internet. Do not feel pressured to answer personal questions if you do not trust the source. Feel free to request verifying information before giving anything up.

26 How do you prevent Identify Theft? 11. Monitor your credit. Take advantage of your free credit reports and consider purchasing additional copies throughout the year for continuous monitoring. Consider placing fraud alerts and credit freezes on your account for greater protection.

27 How do you prevent Identify Theft? 12. Shred personal documents before throwing them away. Dumpster diving is a common method of stealing personal information for the sake of identity fraud. Purchase a shredder for your home and make sure you destroy paperwork containing personal information before discarding. This includes mail, credit card statements and even receipts.

29 How do you prevent Identify Theft? 14. Unsecured Wi-Fi Not a good idea to access sites that require login credentials while on an unsecured wi-fi. Not good idea to or message on unsecured wi-fi. Is your home wi-fi encrypted?

30 How do you prevent Identify Theft? 15. Always go directly to the company's website rather than clicking on links in the s ( PHISHING)

31 How do you prevent Identify Theft? 16. Online Purchases & Online Banking/Bill Payment Safe if you look for https and padlock! Credit cards Vs Debit and Check # Do not click on pop-up ads when on retail site

33 Strengthening Your Digital Security Don't use the same password for all of your accounts. Vary the passwords from account to account. Avoid easily guessed PINs like birth dates, common numerical sequences, phone number, the last four digits of your social security number, etc. Good passwords will include capital and small letters, numbers and characters, and be at least 8 characters long. Never store passwords or sensitive information on your computer. All computers are hackable. If you need to keep this information digitally, store it on a CD or in an external hard drive that is only attached to the computer for offline backups (turn off your internet connection when making backups).

34 How secure is your password?

35 Protect your computer. Many identity thieves now use complex software such as spyware and keyloggers to obtain sensitive information such as passwords and login details without the user's knowledge. Just because you can't see anything wrong with your computer doesn't mean that it is safe to use. Unlike viruses and adware, many spyware and keylogger programs are designed for stealth, so that they can gather as many passwords and sensitive data as possible. A strong and regularly updated firewall, anti-virus program and anti-spyware program will provide most of the protection an individual needs.

36 Beware phishing scams. Phishing involves seemingly harmless s being sent to you, asking you to verify certain things such as passwords, account numbers or credit/social security details. Any seeking this sort of information should be an immediate red flag for you. The best response is to contact the service provider directly and ask what's up.

37 Never answer unsolicited or unwanted s. Even if you're joking, the return verifies your existence to the would-be scammer and it's just better off that they think their attempt to get to you disappeared into the ether. Avoid opening s that don't make sense to you or that come from people or organizations that you don't recognize. Viruses or worms can be hidden in s. Be doubly suspicious if the ends up in your spam folder. And always have your virus protection updated and turned on.

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